The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,971
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,717
−HK$758/mo
Today · 4.125%
HK$25,475
baseline
▲ 0.50% · 4.625%
HK$27,025
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,950/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,668
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,383
−HK$726/mo
Today · 4.125%
HK$28,109
baseline
▲ 0.50% · 4.625%
HK$29,590
+HK$1,481/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,218/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,766
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,661
−HK$909/mo
Today · 4.125%
HK$30,570
baseline
▲ 0.50% · 4.625%
HK$32,430
+HK$1,860/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,140/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,002
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,860
−HK$871/mo
Today · 4.125%
HK$33,731
baseline
▲ 0.50% · 4.625%
HK$35,509
+HK$1,778/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,462/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,560
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,604
−HK$1,061/mo
Today · 4.125%
HK$35,665
baseline
▲ 0.50% · 4.625%
HK$37,835
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,330/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,335
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,337
−HK$1,015/mo
Today · 4.125%
HK$39,352
baseline
▲ 0.50% · 4.625%
HK$41,427
+HK$2,075/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,704/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,149
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,491
−HK$1,363/mo
Today · 4.125%
HK$45,854
baseline
▲ 0.50% · 4.625%
HK$48,645
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,708/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,002
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,290
−HK$1,306/mo
Today · 4.125%
HK$50,596
baseline
▲ 0.50% · 4.625%
HK$53,263
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,192/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,224 · Scale 2, in force from 26 Feb 2026)